# @iamjulian.j on Instagram

- **Type:** Image
- **Original URL:** https://www.instagram.com/p/DeBohquFV7_
- **Gondola URL:** https://gondola.cc/posts/71338231-iamjulianj-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/fa8bc32d2c.jpg
- **Posted:** 2026-10-03T08:30:09.000+00:00
- **Account Owner:** Julian (@iamjulian.j) — https://gondola.cc/iamjulian.j

## Caption

I took 9 cars off the lot brand new. $0 down. 🚗

Everybody assumes you need a fat down payment or a big bank account to drive nice cars. You don't. You need the right CREDIT and a strategy — and that's the part nobody teaches you.

Here's some of what I actually did 👇

🔹 I bought them BRAND NEW on purpose. New cars are easier to finance than used — banks and dealers run special programs on zero-mile units, and the lender has a clean asset backing the loan. That "cheaper" used car often comes with WORSE terms.

🔹 I protected my credit while I did it. Different banks pull different credit bureaus. I learned which lender pulls Experian, which pulls Equifax, which pulls TransUnion — then spread my applications across all three so no single bureau got hammered. A couple of banks even financed 2 cars on one inquiry.

🔹 I turned them into ASSETS, not liabilities. I put them on private rental — at the peak they brought in $25,000–$30,000 a month. The cars paid for themselves and then some.

None of this happens with a messy credit report. Collections, late payments, high balances — those are the things quietly killing your approvals and raising your interest rate. Clean that up first and the whole game opens up: the car, the house, the funding.

That's what I do for people every single day.

Want to see what's really on your report and what's holding you back? Comment "CREDIT" and I'll send you a free review — no pressure, no promises, just the truth about your credit. 🐅

#creditrepair #creditrestoration #zerodown #creditscore #tampacredit #buildyourcredit #firsttimehomebuyer #financialliteracy #carfinance #wealthbuilding

## Stats

- **Views:** 0
- **Likes:** 31
- **Shares:** 0
- **Comments:** 4

## Tags

buildyourcredit, zerodown, wealthbuilding, creditrepair, firsttimehomebuyer, creditrestoration, financialliteracy, carfinance, tampacredit, creditscore

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